| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $26K | — | $26K | 2.93% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | HAWAII DENTAL SERVICE | $2K | — | $2K | 2.00% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $580 | $4K | 6.68% |
| FIRST HAWAIIAN BANK3 | 999 BISHOP STREET, SUITE 1850 HONOLULU, HI 96813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.50% |
| FIRST HAWAIIAN BANK3 | PO BOX 3200 HONOLULU, HI 96847 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $696 | — | $696 | 2.21% |
| BENCHMARK INSURANCE AGENCY LLC3 Filed as: BENCHMARK INSURANCE GROUP LLC | PO BOX 470845 CHARLOTTE, NC 28247 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $538 | — | $538 | 1.71% |
| CATERINA D. HAMILTON3 | PO BOX 7651 JUPITER, FL 33468 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $1K | — | $1K | 4.88% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 SAN DIEGO, CA 92037 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $150 | — | $150 | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 224 | $1.4M |
| Dental | HAWAII DENTAL SERVICE | 349 | $104K |
| Vision | VISION SERVICE PLAN | 176 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $59K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 224 | $1.4M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.